Insurance - who do you recommend?

[ColinM50]

Got my Sabre insured with Footman James but they'll only cover it for 35 days European cover then I have to bring it back to UK for a day and being in the South of France that's not too easy. Asked them to extend the insurace to Easter and they want an extra £176.

Being a kit car, the comparison websites don't work so anyone got any recommendations?

[ColinM50]

Come on, surely someone's got a recommendation

[.Adam.]

Try MSM.

[cito quod fortis]

I use Haggerty - reasonable price and includes breakdown cover. Andy

[grumbas]

Sureterm were good for me, no idea on european cover though.

[Matt From Flux]

ColinM50 said:

Got my Sabre insured with Footman James but they'll only cover it for 35 days European cover then I have to bring it back to UK for a day and being in the South of France that's not too easy. Asked them to extend the insurace to Easter and they want an extra £176.

Being a kit car, the comparison websites don't work so anyone got any recommendations?

We have Kit Car policies that offer longer EU cover. If you want to e-mail me your details I will get someone to call you and go through all the details with you.

[mikeveal]

.Adam. said:

Try MSM.

+1
Made the quotes from the other companies look laughable. And they didn't put my insurance up this year, despite a fault claim last year.

[Ferg]

.Adam. said:

Try MSM.

I'd agree with that. When I insured my car I tried Flux and they were dearer for essentially the same policy. Been insured with Dave at MSM ever since and no problems whatsoever.

[Thevet]

Avoid Flux, they were absolutely appalling when I had a claim on my car, I'm still over £6k out of pocket, all they gave me was the phone number for the underwriter. Try Haggerty's who were cheaper and seemed to know about kit cars.

[Matt From Flux]

Ferg said:

.Adam. said:

Try MSM.

I'd agree with that. When I insured my car I tried Flux and they were dearer for essentially the same policy. Been insured with Dave at MSM ever since and no problems whatsoever.

When you tried to us for a quote did you tell the person you spoke to that you were on PH?

[Matt From Flux]

Thevet said:

Avoid Flux, they were absolutely appalling when I had a claim on my car, I'm still over £6k out of pocket, all they gave me was the phone number for the underwriter. Try Haggerty's who were cheaper and seemed to know about kit cars.

How recently was this?

The amount that is paid out is decided by the insurance company rather than ourselves.

We do now have policies available on Kit Cars that offer agreed value and this would be agreed with the client at the start of the policy.

[mikeveal]

Matt From Flux said:

Ferg said:

.Adam. said:

Try MSM.

I'd agree with that. When I insured my car I tried Flux and they were dearer for essentially the same policy. Been insured with Dave at MSM ever since and no problems whatsoever.

When you tried to us for a quote did you tell the person you spoke to that you were on PH?

They didn't ask me. Not sure what difference it makes either to be honest. To be on PH means that you are a car enthusiast. To own a kit car, means that you are a car enthusiast too.

Without knocking Flux, I don't want to be given a quote that is a special reduction, or matches A.N.Other companies quote. That way the real hero, A.N.Other who is offering a low price to start with goes out of business through lack of trade.

No.No.No, that is not a smart way for a consumer to operate.

When shopping around for stuff like this, I give companies one chance only to offer their best quote. I never tell them how much their competitors have quoted (they always ask). It's not in my interest as a consumer to do so.

It's far better to keep quoting companies in the dark. Those interested in winning and keeping my business have to offer not necessarily their best rates, but certainly what they consider to be a very competetive rate.

Mmmnn, I'm waaay off topic aren't I?

[JoePublic]

Thevet said:

Try Haggerty's who were cheaper and seemed to know about kit cars.

I think I'm right in saying Hagerty have stopped doing kits. They've also stopped doing drivers under 30 and cars which have any engine mods. If you're the 30+ year old owner of a factory-standard classic with a garage and proof of another car for regular use they're great though.

[Matt From Flux]

mikeveal said:

Matt From Flux said:

Ferg said:

.Adam. said:

Try MSM.

I'd agree with that. When I insured my car I tried Flux and they were dearer for essentially the same policy. Been insured with Dave at MSM ever since and no problems whatsoever.

When you tried to us for a quote did you tell the person you spoke to that you were on PH?

They didn't ask me. Not sure what difference it makes either to be honest. To be on PH means that you are a car enthusiast. To own a kit car, means that you are a car enthusiast too.

Without knocking Flux, I don't want to be given a quote that is a special reduction, or matches A.N.Other companies quote. That way the real hero, A.N.Other who is offering a low price to start with goes out of business through lack of trade.

No.No.No, that is not a smart way for a consumer to operate.

When shopping around for stuff like this, I give companies one chance only to offer their best quote. I never tell them how much their competitors have quoted (they always ask). It's not in my interest as a consumer to do so.

It's far better to keep quoting companies in the dark. Those interested in winning and keeping my business have to offer not necessarily their best rates, but certainly what they consider to be a very competetive rate.

Mmmnn, I'm waaay off topic aren't I?

To be honest we aren't in the business of under cutting other companies by a few £. We will always offer the best rate we have available, its just we can give you a further discount for being on PH on top of what you get for other car club membership and being a kit car owner.

I do agree with what you are saying about making your best rate known to other insurers, you want to be with a company that offers competitive premiums rather than just matching other companies.

Thanks for taking the time to give me the feedback and hopefully we can offer you a competitive premium if you try us again.

[Ferg]

Matt From Flux said:

Ferg said:

.Adam. said:

Try MSM.

I'd agree with that. When I insured my car I tried Flux and they were dearer for essentially the same policy. Been insured with Dave at MSM ever since and no problems whatsoever.

When you tried to us for a quote did you tell the person you spoke to that you were on PH?

As above, no I didn't.

The thing is, you see, I currently insure six vehicles in this household and although I am keen to spend as little as possible doing this, I also don't intend spending hours of my valuable time trying to pit one insurer against the other.

So, I look at my renewal, check out a couple of other companies, thyen go with the best deal. The problem Adrian Flux have with me is that they've had two chances already (I actually used to insure my previous kit with Flux and experienced quite a bit of a problem when I sold the car. Their poor quote on the next car was another nail and I had another quote a couple of years ago, also not so hot.

All I want is your best possible deal. Not much to ask?
Incidentally, every one of my vehicles is currently insured with a different insurer...

[mikeveal]

Matt From Flux said:

To be honest we aren't in the business of under cutting other companies by a few £. We will always offer the best rate we have available, its just we can give you a further discount for being on PH on top of what you get for other car club membership and being a kit car owner.

Again, I'm not trying to be confrontational or to Knock Adrian Flux, but how can you do this?

Surely PH members are no more or less of a risk demographically then any other kit car owner?
If that's correct then your the best rate isn't the one you offer to standard punters, it's the one you offer to PH members.

Like I said, I'm not trying to pick a fight, just trying to understand.

[Matt From Flux]

Ferg said:

Matt From Flux said:

Ferg said:

.Adam. said:

Try MSM.

I'd agree with that. When I insured my car I tried Flux and they were dearer for essentially the same policy. Been insured with Dave at MSM ever since and no problems whatsoever.

When you tried to us for a quote did you tell the person you spoke to that you were on PH?

As above, no I didn't.

The thing is, you see, I currently insure six vehicles in this household and although I am keen to spend as little as possible doing this, I also don't intend spending hours of my valuable time trying to pit one insurer against the other.

So, I look at my renewal, check out a couple of other companies, thyen go with the best deal. The problem Adrian Flux have with me is that they've had two chances already (I actually used to insure my previous kit with Flux and experienced quite a bit of a problem when I sold the car. Their poor quote on the next car was another nail and I had another quote a couple of years ago, also not so hot.

All I want is your best possible deal. Not much to ask?
Incidentally, every one of my vehicles is currently insured with a different insurer...

Your point is absolutely correct and something I agree with - insurers should always offer the best available price, which we will do.

However if you do then want to tell us what you have been quoted we can phone around the insurers we have a good relationship with and explain the details to them and see if they want to drop any money off their premium.

We have spent a lot of time recently improving the schemes with the insurers so we can try and be more competitive on most risks - obviously we can't offer the cheapest price on everything but we will try to.

[Matt From Flux]

mikeveal said:

Matt From Flux said:

To be honest we aren't in the business of under cutting other companies by a few £. We will always offer the best rate we have available, its just we can give you a further discount for being on PH on top of what you get for other car club membership and being a kit car owner.

Again, I'm not trying to be confrontational or to Knock Adrian Flux, but how can you do this?

Surely PH members are no more or less of a risk demographically then any other kit car owner?
If that's correct then your the best rate isn't the one you offer to standard punters, it's the one you offer to PH members.

Like I said, I'm not trying to pick a fight, just trying to understand.

You are right there isn't really any difference in the risk.

What we have found from looking at the claim stats though, is that clients who are car enthusiasts and members of owners clubs / forums will generally have less claims and that is the reason we offer them an even cheaper premium.

[moosetvr]

JoePublic said:

Thevet said:

Try Haggerty's who were cheaper and seemed to know about kit cars.

I think I'm right in saying Hagerty have stopped doing kits. They've also stopped doing drivers under 30 and cars which have any engine mods. If you're the 30+ year old owner of a factory-standard classic with a garage and proof of another car for regular use they're great though.

Hagerty havent stopped insuring Kit cars, but you are correct in the fact that we have stopped insuring drivers under the age of 30 Modifications are, as they always have been, assessed on their own merits. This modification "thing" has been a bit exaggerated on PH!!. Probably best to discuss all this with us at Hagerty if you have any queries. Many thanks, Darren @ Hagerty

[pilbeam_mp62]

JoePublic said:

Thevet said:

Try Haggerty's who were cheaper and seemed to know about kit cars.

I think I'm right in saying Hagerty have stopped doing kits. They've also stopped doing drivers under 30 and cars which have any engine mods. If you're the 30+ year old owner of a factory-standard classic with a garage and proof of another car for regular use they're great though.

I have just insured my recently finished Ultima with Haggerty.
Regards